Using a third party as a source of cash

Abstract

A method comprises receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the customer payment systems receiving cash from customers of a plurality of stores. The method further comprises receiving, by the provider institution computing system via the network, a cash request from a user device of a user. The provider institution computing system selects one of the plurality of customer payment systems based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents. The method further comprises sending, by the provider institution computing system to a selected delivery agent device, a message comprising location data of the selected customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices.

What is claimed is: 
     
       1. A method, comprising:
 receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the plurality of customer payment systems receiving cash from customers of a plurality of stores; 
 receiving, by the provider institution computing system via the network, a cash request from a user device of a user responsive to interactions received via an application executing on the user device; 
 selecting, by the provider institution computing system, a customer payment system of the plurality of customer payment systems from which cash will be retrieved to satisfy the cash request, the customer payment system selected based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents; 
 sending, by the provider institution computing system to a selected delivery agent device, responsive to authenticating the selected delivery agent device based on an authentication credential provided by the selected delivery agent device a message comprising location data of the customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices; 
 responsive to receiving an encrypted authentication code from the customer payment system, decrypting, by the provider institution computing system, the encrypted authentication code to generate a decrypted authentication code; and 
 transmitting, by the provider institution computing system, a verification message indicating the selected delivery agent is authenticated responsive to the decrypted authentication code matching a delivery agent authentication code previously provided to the selected delivery agent device. 
 
     
     
       2. The method of  claim 1 , further comprising:
 sending, by the provider institution computing system via the network, the delivery agent authentication code to the selected delivery agent device; and 
 sending, by the provider institution computing system via the network, a user authentication code to the user device. 
 
     
     
       3. The method of  claim 2 , further comprising:
 receiving, by the provider institution computing system via the network, a first validation message from the selected customer payment system; 
 receiving, by the provider institution computing system via the network, a second validation message from the selected delivery agent device; and 
 receiving, by the provider institution computing system via the network, a third validation message from the user device. 
 
     
     
       4. The method of  claim 3 , wherein the delivery agent authentication code and the user authentication code comprise one or more of a bar code, a numerical code, an alphanumeric code, or a biological code. 
     
     
       5. The method of  claim 1 , wherein the location data of the plurality of delivery agent devices is determined based on a plurality of global positioning system signals from the plurality of delivery agent devices. 
     
     
       6. The method of  claim 1 , wherein the cash level indicator comprises one or more of a total value of cash, a type of currency, or an amount of bills of a specified denomination. 
     
     
       7. The method of  claim 1 , wherein selecting the selected customer payment system further comprises receiving, by the provider institution computing system, a message from the selected customer payment system indicating the selected customer payment system is available. 
     
     
       8. The method of  claim 1 , further comprising sending, by the provider institution computing system, the location data of the selected delivery agent device to the user device. 
     
     
       9. A provider institution computing system, comprising:
 a network interface; and 
 a processing circuit configured to:
 receive a cash level indicator from each of a plurality of customer payment systems, the plurality of customer payment systems receiving cash from customers of a plurality of stores; 
 receive a cash request from a user device of a user responsive to interactions received via an application executing on the user device; 
 select a customer payment system of the plurality of customer payment systems from which cash will be retrieved to satisfy the cash request, the customer payment system selected based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents; 
 send a message comprising location data of the selected customer payment system to a selected delivery agent device responsive to authenticating the selected delivery agent device based on an authentication credential provided by the selected delivery agent device, the selected delivery agent device being one of the plurality of delivery agent devices; 
 responsive to receiving an encrypted authentication code from the customer payment system, decrypt the encrypted authentication code to generate a decrypted authentication code; and 
 transmit a verification message indicating the selected delivery agent is authenticated responsive to the decrypted authentication code matching a delivery agent authentication code previously provided to the selected delivery agent device. 
 
 
     
     
       10. The system of  claim 9 , the processing circuit further configured to:
 send the delivery agent authentication code to the selected delivery agent device; and 
 send a user authentication code to the user device. 
 
     
     
       11. The system of  claim 10 , the processing circuit further configured to:
 receive a first validation message from the selected customer payment system; 
 receive a second validation message from the selected delivery agent device; and 
 receive a third validation message from the user device. 
 
     
     
       12. The system of  claim 11 , wherein the delivery agent authentication code and the user authentication code comprise one or more of a bar code, a numerical code, an alphanumeric code, or a biological code. 
     
     
       13. The system of  claim 9 , wherein the location data of the plurality of delivery agent devices is determined based on a plurality of global positioning system signals from the plurality of delivery agent devices. 
     
     
       14. The system of  claim 9 , wherein the cash level indicator comprises one or more of a total value of cash, a type of currency, or an amount of bills of a specified denomination. 
     
     
       15. The system of  claim 9 , wherein selecting the selected customer payment system further comprises receiving, by the provider institution computing system, a message from the selected customer payment system indicating the selected customer payment system is available. 
     
     
       16. The system of  claim 9 , further comprising sending, by the provider institution computing system, the location data of the selected delivery agent device to the user device. 
     
     
       17. A system for processing cash withdrawal and delivery requests, comprising:
 a non-transitory computer-readable medium of a provider institution computing system storing computer-readable instructions such that, when executed, causes a processing circuit to:
 receive a cash level indicator from each of a plurality of customer payment systems, the plurality of customer payment systems receiving cash from customers of a plurality of stores; 
 receive a cash request from a user device of a user responsive to interactions received via an application executing on the user device; 
 select a customer payment system of the plurality of customer payment systems from which cash will be retrieved to satisfy the cash request, the customer payment system selected based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents; 
 send a message comprising location data of the selected customer payment system to a selected delivery agent device responsive to authenticating the selected delivery agent device based on an authentication credential provided by the selected delivery agent device, the selected delivery agent device being one of the plurality of delivery agent devices; 
 responsive to receiving an encrypted authentication code from the customer payment system, decrypt the encrypted authentication code to generate a decrypted authentication code; and 
 transmit a verification message indicating the selected delivery agent is authenticated responsive to the decrypted authentication code matching a delivery agent authentication code previously provided to the selected delivery agent device. 
 
 
     
     
       18. The system of  claim 17 , the processing circuit further configured to:
 send the delivery agent authentication code to the selected delivery agent device; and 
 send a user authentication code to the user device. 
 
     
     
       19. The system of  claim 18 , the processing circuit further configured to:
 receive a first validation message from the selected customer payment system; 
 receive a second validation message from the selected delivery agent device; and 
 receive a third validation message from the user device. 
 
     
     
       20. The system of  claim 19 , wherein the delivery agent authentication code and the user authentication code comprise one or more of a bar code, a numerical code, an alphanumeric code, or a biological code. 
     
     
       21. The system of  claim 17 , wherein the location data of the plurality of delivery agent devices is determined based on a plurality of global positioning system signals from the plurality of delivery agent devices. 
     
     
       22. The system of  claim 17 , wherein the cash level indicator comprises one or more of a total value of cash, a type of currency, or an amount of bills of a specified denomination. 
     
     
       23. The system of  claim 17 , wherein selecting the selected customer payment system further comprises receiving a message from the selected customer payment system indicating the selected customer payment system is available. 
     
     
       24. The system of  claim 17 , further comprising sending the location data of the selected delivery agent device to the user device.